The “American Dream” seems to be moving out of the reach of the average American family.  One estimate puts its price tag at 130-thousand dollars a year.  That means the dream is available to one in eight U.S. families. 

Financial strategist Steve Scanlon, co-founder of GuardVest, says a lot of us live paycheck-to-paycheck -- more than you might think.

“That's not just amongst people who don't have a lot of money,” Scanlon says.  “I've worked with plenty of multi-millionaires that live paycheck to paycheck.”

Scanlon says the biggest problem is most families don't even have a budget

“They have no idea of what it costs them to live, month-in and month-out,” he explains.  “And, if you don't have the information, you can't expect to do something about it.”